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In Unit Linked Insurance Policies, the investment risk is borne by the policyholder. These insurance products do not offer any liquidity in the first 5 years, as they have a mandatory lock-in period of 5 years. During this period, the policyholder cannot fully or partially withdraw the invested amount or surrender the policy.
Tata AIA Smart Sampoorna Raksha Plus
Tata AIA Life Insurance Smart Sampoorna Raksha Plus is a plan that combines life cover for protection with market-linked returns for wealth creation and includes the Tata AIA Vitality Wellness Program. It is a unit-linked, non-participating, individual life insurance plan for savings and protection. Note that the investment risk in the portfolio is borne by the policyholder. This linked insurance product does not offer any liquidity during the first five years of the contract.
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Features of Tata AIA Life Smart Sampoorna Raksha Plus
Below are the features of Tata AIA Life Smart Sampoorna Raksha Plus ULIP Plan:
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Lump sum benefit for the family in case of unfortunate death.
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Flexibility to invest in a variety of funds.
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Upfront discount on rider premiums for the first year of the policy.
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Simplified onboarding with no medicals.
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Return on maturity at the end of the policy term.
Eligibility criteria for Tata AIA Life Smart Sampoorna Raksha Plus
| Criteria | Details |
| Maximum Entry Age | 5 Pay - 52 years 10, 12 & Regular Pay - 55 years |
| Maximum Age at Maturity | Base Cover: 85 years Term Booster: 85 years Accidental Death: 85 years Accidental Total and Permanent Disability: 85 years |
| Policy Term (PPT) | 30 or 40 years, subject to max. age at maturity |
| Premium Mode | Annual, Half yearly, Quarterly and Monthly |
| Minimum Sum Assured | Base (Life cover) For 5 pay – Rs. 9,00,000 Base (Life cover) Other Premium Payment Term – Rs. 2,70,000 Term Booster, Accidental Death and Accidental Total and Permanent Disability - Same as base |
| Increase/Decrease in Sum Assured | Not allowed |
| Rider Sum Assured | Cannot exceed the base Sum Assured |
Benefits of Tata AIA Life Smart Sampoorna Raksha Plus
Below are the benefits of Tata AIA Life Smart Sampoorna Raksha Plus:
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Life Insurance Cover: A lump sum equal to 15 times the annualised premium will be paid to the family in case of unfortunate death.
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Accidental Total & Permanent Disability: Benefit payout in case of total and permanent disability due to accident; 2X benefit in case of disability due to accident in public transport; Sum assured equal to base sum assured.
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Accidental Death: Additional sum assured in case of accidental death; 2X additional sum assured in case of accidental death in public transport; Sum assured equal to base sum assured.
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Terminal Illness Cover with Term Booster: Sum assured equal to base sum assured on death and terminal illness.
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Return on Maturity: Fund value on maturity + return of all rider premiums paid.
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Tata AIA Vitality: A wellness program that helps you improve your health while also rewarding you, get up to 10% upfront discount on the first year rider premium.
Riders Under Tata AIA Life Smart Sampoorna Raksha Plus
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Term Booster (TB)
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Accidental Death (AD)
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Accidental Total and Permanent Disability (ATPD) These are benefit options available under Tata AIA Vitality Protect Plus.
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Upfront discount of 5% on first-year premium for Accidental Death, Accidental Total & Permanent Disability, and Accidental Disability Care Benefits, and 10% on first-year premiums of the other benefit options on enrolling into the wellness program.
Latest ULIP NAVs
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How to Calculate Returns on Tata AIA Smart Sampoorna Raksha Plus ULIP Plan?
Policyholders can utilise a ULIP calculator to estimate the returns on their ULIP investments.
Investors often explore the best SIP in India for long-term growth. This online tool helps them assess potential investment growth within a Unit Linked Insurance Plan (ULIP). By offering a clear projection of returns, it simplifies financial planning and enables informed decision-making. Users can adjust factors such as premium amount and policy tenure to compare different scenarios and refine their investment strategy.
Additional Details of Tata AIA Life Smart Sampoorna Raksha Plus
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Fund Choices: Flexibility to invest in a variety of funds. An example is the Select Fund which is Whole Life Mid Cap Equity Fund. Other fund options are also available under this plan.
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Wellness Program: Tata AIA Vitality is a wellness program that offers an upfront discount at policy inception.
Insurers Offering ULIPs
Disclaimer: Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ